SarvaGram

SarvaGram is a rural household-centric financial platform, founded in 2019, that pairs data intelligence with a physical delivery network across India. The threat model is concrete: a multi-product lending and insurance business - home, farm, business, personal and gold loans, plus insurance and Farming-as-a-Service - sits on top of household-level financial data at a scale the company puts at over 90 million rural households served, with over Rs 1,000 crores in assets under management in FY25. Credit decisions, collateral records and insurance data are exactly the kinds of assets that draw fraud, credential abuse and data-exfiltration attempts.

The distribution layer widens the attack surface in ways pure software shops don't have to think about. SarvaGram operates 170 physical shoppes, 750+ SarvaMitra franchises and coverage across 40,000+ villages, reaching over 160,000 rural households. That means identity and access controls have to hold across a franchise-based, human-heavy network where devices, agents and onboarding flows touch sensitive financial data far from any central office - a perimeter defined as much by people and endpoints as by cloud infrastructure.

On the engineering side, the stated technical domains are data intelligence, fintech platform development, rural distribution technology and financial services technology, supporting a household-centric model that treats the whole household as one unit rather than isolated income sources. The company describes its approach as "high-tech, high-touch." Backers include Elevar Equity, Elevation Capital, TVS Capital Funds, Temasek and Peak XV Partners.